$1,000 Loan

Am I Eligible to Apply for a $1000 Loan?

At City Finance, we pride ourselves on our inclusivity. As long as you’re aged 21 and above, are receiving consistent income and can provide the supporting documentation, then you’re probably eligible to apply for a $1000 cash loan.

For many people, the term ‘supporting documents’ sounds complex and overwhelming – however, this couldn’t be further from the truth at City Finance. In order to apply for a loan with us, we don’t need a bunch of different documents, all we require is the following:

1. A copy of your ID
2. A short online application form with details such as your address and phone number
3. Proof that you are receiving some sort of income (this can be a salary or Centrelink payments)
4. 90-day history of bank transactions

If you’re unsure of your eligibility please feel free to reach out to our customer service here.

Will You Consider Applications from People with Bad Credit?

We understand that life happens, and just because you may have had an experience in the past that pulled your credit score down, shouldn’t mean that you should have to struggle to be approved for a loan years after the fact.

For this reason, we are more than happy to consider applications from people with bad credit. In fact, we’ve approved thousands of applications for Aussies who have a bad credit history. Rather than judging you just on your lending past, we take into account your personal circumstances determining a decision on a loan application.

If you have a less than perfect credit score and are looking for a lender that’s willing to issue you a loan, then look no further. You can find out more about our bad credit loans here.

Is a Credit Check Required for a $1000 Loan?

Credit checks are reports that lenders run to learn more about potential customers borrowing history. If you’ve defaulted on a payment, been bankrupt, or consistently made late loan repayments, this will usually be shown in your credit score. A low credit score means that a potential borrower is at a higher risk for meeting their repayments, whereas a high credit score means that the potential borrower is at a lower risk. High credit scores are achieved by borrowing money (this can be from a bank, financial institution, a phone plan etc) and consistently meeting their repayments on time.

If you’re a new customer and concerned about a credit check producing bad credit and inhibiting your ability to receive a loan, you shouldn’t be. While we do need to run a credit check for new customers, we can still offer loans for borrowers with poor credit scores. We can also offer loans to customers with no credit history.

What Can I Use a $1000 Loan for?

A $1000 loan can be used for basically anything, but here are some examples of why you may need one.

Emergencies

Emergency expenses are an unfortunate fact of life. It’s inevitable that at some point or another unexpected costs will pop up that need to be attended to immediately. Even if you have an emergency fund for this type of situation, you may need some extra money to cover all of the costs. If this gap is minimal – or if the total cost of your emergency expense is relatively small, then a quick $1000 loan can cover it. After all, emergency situations are usually already stressful, so the last thing you need is the extra stress of worrying about where the funds will come from. Out of work? You might still be able to apply under one of our unemployed loans.

Car repairs

The convenience of owning your own car and having the freedom to go wherever you please is great – until a costly problem arises that leaves you both stranded and out of pocket. Most of the time, fixing a car isn’t cheap. The average labour cost of a mechanic sits at around $80 an hour, and often you’ll need to factor in the expensive price of parts on top of this.

For many people, they’re not able to go about their daily life without a car – so it needs to be fixed quickly and can’t wait until you save up enough funds. We offer car repair loans to help you get back on the road quickly, and you can pay the lump sum off gradually as you can afford it. Read more about our car repair loans.

Medical bills

Medical bills can stack up quickly, and a lot of the time these bills are unavoidable. You should never neglect your health because of financial stress or a lack of funds. This is especially true if your condition is an injury or emergency that requires immediate attention. Instead, take out a quick cash loan with us to cover your costs, and ensure that your medical issues are quickly and properly attended to. Read more about our loans for medical expenses.

Vet bills

As they say, a pet is a member of the family. If they are hurt or experience a health issue, it’s important to bring your loved animal to a veterinarian as soon as possible. Unfortunately, even an initial consultation with a vet usually isn’t cheap, especially if your pet requires further treatment, surgery or medication. However, you needn’t make financial sacrifices in other areas of your life to meet the bills. You can simply take out a small cash loan with us to cover the vet costs. Read more about our loans for vet bills.

Travel

Holidays can take on many different forms. But, whether you’re craving an exciting backpacking adventure, or wanting to switch off on a tropical beach, a trip is a sure fire way to refresh. If you’re craving a holiday, but don’t quite have enough funds to cover your trip, you don’t have to wait! Contact us for a small personal loan that will cover some or all of your next trip. Then, you can gradually pay off the sum while basking in your post-holiday glow. Read more about our travel & holiday loans.

Furniture

It goes without saying that it’s essential to have furniture in a house. If you’ve recently moved house and found yourself living in a relatively bare house, then you’re probably going to have to part with a fair bit of money to make your space livable. And, the furniture usually doesn’t come cheap! But, don’t stress, we can help chip in some money towards new furniture with a small personal loan.

Even if your house is furnished, there may be some things that are missing or need replacing, a loan with us can save cover costs. While many furniture and appliance resellers offer finance, the interest rate and fees associated with these plans are usually sky-high. Keep more money in your pocket by securing a loan with us. Read more about our furniture loans.

Home renovations

There are a number of reasons why homeowners complete home renovations, these can include value adding for resale, increased comfort or emergency fixes. Regardless of the reason for the home renovation, you don’t need to wait. You can get started on your renos ASAP with a loan today from City Finance. Read more about our home renovation loans.

Rental bonds

There are a number of costs involved with moving house, like moving costs, upfront rent, deep cleaning fees and more. While these costs are usually significantly, if you’re moving into a new rental, then bonds are almost always a large cost. The lump sum of a rental bond can vary between places, but they are usually around the amount of a months worth of rent. If you’ve found yourself in a situation where you’re struggling to cover your rental bond, we can help with a small loan that you can back on a payment plan gradually. Read more about our loans for rental bonds.

When a $1000 Loan Makes Sense

If you need a fast $1000 loan today, City Finance offers a streamlined, secure, and fully online process to help eligible Australians access funds when they need them most. Whether you have a sudden expense or just need short-term support, our $1000 personal loan options are designed for speed, flexibility, and transparency.

All City Finance loans are subject to standard credit checks and assessment of your current financial situation. While we do work with applicants who may not have a perfect credit history, we take a responsible lending approach. This means we assess whether the loan is affordable for you, not just whether you meet a minimum credit score.

Note: Our 1000 dollar loans are not intended for everyday living expenses, but rather for unplanned, one-off costs like emergency car repairs, vet bills, or medical needs.